Shelter insurance is a type of insurance that can be bought for you and your family to cover shelter costs.
It’s designed to help pay for housing and other essentials when you need it.
The insurance covers your house, your car and your belongings, but you’re only entitled to get it if the property is owned by you.
Here are some things to know before you apply.
Shelter insurance applies to the home you rent, the property you live in and any property you buy or sell.
It is not compulsory to have insurance on all your properties, so there’s no guarantee you’ll get it.
Shelter covers you and the person you live with.
It doesn’t cover your children or other people you’ve not met.
It can be purchased for you, or someone else.
The company you choose will determine whether you get the insurance or not.
It also covers other things that you might need in the future, such as food and rent.
The costs are deductible, so you may need to pay them out of pocket.
If you’re buying a property, the company will calculate what your home insurance should be.
For example, if you buy a house in Scotland, you might want to buy the equivalent of a £100,000 insurance policy.
But if you’re renting, you can’t afford to pay more than the standard rate.
How much will I get?
Shelter insurance covers up to a certain amount per week.
That’s the amount you pay per month for the period in which you’re staying.
For most people, this is £1,000 per week, but it depends on the policy and the amount of the coverage.
Shelter coverage varies from policy to policy.
For some, it covers only a portion of your income.
This is called the monthly coverage.
You can also buy an extended coverage, which covers the entire income.
Shelter is an essential part of any household.
If the value of your house falls, you’ll be left with a debt, or with nowhere to go.
The amount you get will depend on how much you need for your rent, heating and other costs.
The value of the property can also be affected by the number of people who live in it.
It may be more or less expensive to buy a property that is owned and rented by a family, so some people may not get the full amount they need.
How long does it last?
The amount of time you get for a month depends on what you bought the policy for.
If it’s a property you rent from, the length of the policy lasts six months.
If, on the other hand, you buy the policy from a company, the duration of the plan will be extended for an additional three months.
Shelter has no set limit on how long it can be extended, so if you need more time to get the right coverage, you could end up with a different policy than the one you initially purchased.
For people who buy it through a company like Shelter, the policy is usually cheaper than it would be if you purchased it yourself.
You will also get a refund for any excess charges you’ve made on your policy, which are usually a fee you pay to the company.
What can I do if I get a policy?
You will be required to pay the company for any coverage you’ve purchased.
If Shelter isn’t the one who provided the coverage, your policy is automatically cancelled and you won’t be able to buy one again.
You also can’t claim the coverage on your own until you’re over 60 years old.
How do I find out if my insurer is good?
You’ll need to apply for a policy through the Scottish Government.
The Insurance Information Centre can help you with this process.
You’ll also need to check your insurance coverage on the Scottish Insurers website.
This will include whether your home is owned or rented.
If your home isn’t owned or rentable, you may have to pay extra for shelter coverage.
What are the rules for renting out a property?
If you rent a property from Shelter, you have to take care to ensure that it’s yours.
This includes getting it into good repair, keeping it clean and keeping it free of rubbish.
The rules for letting out a home are the same.
If a property is bought through a Shelter property agent, you should contact them to find out what your policy covers.
If an agent isn’t available, you must apply for your policy through your local housing authority.
You must pay any extra costs associated with buying and renting a property through Shelter.
What happens if I buy or rent a home that is being sold or is for sale?
Your insurance company will look at all the information that Shelter provides on your property, including any property information you’ve provided about your house.
This information is then passed on to the agent, who will then sell the property.
This may include: Selling the property if you don’t have a contract with the property company, or if the agent doesn’t have the correct address or phone number to contact you